CN116362756B - Automatic payment wind control method and system - Google Patents
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Abstract
The invention provides an automatic payment wind control method and system. The wind control method comprises the steps of obtaining payment security evaluation scores corresponding to payment positions by utilizing historical payment records of users; when a user starts a payment platform, determining whether to utilize a first risk assessment model or a second risk assessment model to acquire a first risk assessment parameter or a second risk assessment parameter in combination with a payment security assessment score according to the positioning position of the current user; and carrying out risk assessment and payment risk prompt by using the first risk assessment parameter or the second risk assessment parameter and the corresponding first risk threshold or second risk threshold. The system comprises modules corresponding to the wind control method steps.
Description
Technical Field
The invention provides an automatic payment wind control method and system, and belongs to the technical field of payment risk control.
Background
At present, with the advent of the internet era, the internet has been widely used in daily study, work and life of people. Various daily transactions for people can be handled and presented through the internet. Meanwhile, in order to get privates, illegal molecules often initiate fraudulent transactions and the like through the Internet by illegal means, so that risk identification needs to be performed on payment transaction events initiated by target users, and management and control on payment transaction events with risks are further realized. However, in the prior art, the accuracy of payment risk judgment is low and the efficiency of payment risk judgment is low.
Disclosure of Invention
The invention provides an automatic payment wind control method and system, which are used for solving the problems of lower payment risk judgment accuracy and lower payment risk judgment efficiency in the prior art, and the adopted technical scheme is as follows:
a method of wind control for automatic payment, the method comprising:
acquiring a payment security evaluation score corresponding to a payment position by using a historical payment record of a user;
when a user starts a payment platform, determining whether to utilize a first risk assessment model or a second risk assessment model to acquire a first risk assessment parameter or a second risk assessment parameter in combination with a payment security assessment score according to the positioning position of the current user;
and carrying out risk assessment and payment risk prompt by using the first risk assessment parameter or the second risk assessment parameter and the corresponding first risk threshold or second risk threshold.
Further, obtaining a payment security evaluation score corresponding to the payment location by using the historical payment record of the user includes:
extracting a historical payment record of a user, and acquiring a payment position corresponding to each payment record according to the historical payment record;
acquiring a safety evaluation score corresponding to each payment position and a safety weight parameter corresponding to each payment position by using the payment position of the user, and acquiring the payment safety evaluation score of the user;
the payment security evaluation score is obtained through the following formula:
wherein,,Prepresenting a payment security assessment score;nrepresenting the total number of payment locations;F i represent the firstiSecurity rating scores corresponding to the respective payment locations;Q i represent the firstiPreset safety weight parameters corresponding to the payment positions;F max representing a security assessment score maximum among all payment locations;Q m a security weight parameter corresponding to a payment location representing a maximum value of the security evaluation score;Q max representing a corresponding maximum value of the security weight parameter in the payment location;F m representing a safety evaluation score average value corresponding to a payment position corresponding to the maximum value of the safety weight parameter;P 0 representing the benchmark score. The security evaluation score is performed by the payment platform according to the historical payment record.
Further, when the user starts the payment platform, determining whether to use the first risk assessment model or the second risk assessment model to acquire the first risk assessment parameter or the second risk assessment parameter in combination with the payment security assessment score according to the positioning position of the current user includes:
when a user starts a payment platform, determining the positioning position of the current user starting the payment platform, and comparing the positioning position with the payment position of the historical payment record of the user to obtain a positioning comparison result;
when the positioning comparison result shows that the positioning position is the same as the payment position of the historical payment record, carrying out payment support to complete automatic payment;
when the positioning comparison result shows that the positioning position is different from the payment position of the historical payment record, calling an embedded map of the payment platform to determine whether the type of the current payment position accords with the type of the payment position of the historical payment record or not, and acquiring the type of the payment position;
and selecting a first risk evaluation model or a second risk evaluation model by using the type of the payment position and combining the payment security evaluation score to acquire a first risk evaluation parameter or a second risk evaluation parameter.
Further, selecting to adopt the first risk assessment model or the second risk assessment model to acquire the first risk assessment parameter or the second risk assessment parameter by using the type of the payment position comprises the following steps:
if the type of the current payment position accords with the type of the payment position, acquiring a first risk evaluation parameter corresponding to the current payment behavior by combining the payment security evaluation score through a first risk evaluation model;
if the type of the current payment position does not accord with the type of the payment position, a second risk evaluation model is utilized to acquire a second risk evaluation parameter corresponding to the current payment behavior in combination with the payment security evaluation score;
wherein the first and second risk assessment models are as follows:
wherein,,K 1 representing a first risk assessment parameter;K 2 representing a second risk assessment parameter;K 0 representing a risk evaluation reference parameter as a constant value;Prepresenting a payment security assessment score;Jrepresenting a payment amount corresponding to the current payment position;J 0 representing the maximum value of all payment amounts corresponding to the type of the payment position in the historical payment record;mindicating that the payment amount corresponding to the current payment position is compared with the payment record in the history payment record, wherein the difference between the payment amount in the history payment record and the payment amount corresponding to the current payment position is smaller than the payment record number of the preset amount difference threshold value, and whenmWhen=0, let 1-m=0.68；J m Representing a maximum value of the payment amount in the historical payment record;J y representing a preset amount difference threshold;J p representing an average value of payment amounts in the historical payment records; deltaPRepresenting the amount of compensation to pay for the security assessment score.
Further, performing risk assessment and payment risk prompting by using the first risk assessment parameter or the second risk assessment parameter and the corresponding first risk threshold or the second risk threshold thereof comprises:
comparing the first risk evaluation parameter with the first risk threshold, and when the first risk evaluation parameter is higher than the first risk threshold, carrying out payment risk reminding by the payment platform;
or (b)
Comparing the second risk evaluation parameter with the second risk threshold, and when the second risk evaluation parameter is higher than the second risk threshold, carrying out payment risk reminding by the payment platform;
the first risk threshold and the second risk threshold are adaptively adjusted according to record updating of actual safe payment of a user, and an adaptive adjustment model is as follows:
wherein,,Y 1 andY 2 representing the adjusted first risk threshold and second risk threshold;Y 01 andY 02 representing a first risk threshold and a second risk threshold before adjustment;Q j representing a security weight parameter corresponding to the current payment position;Jrepresenting a payment amount corresponding to the current payment position;J p representing an average value of payment amounts in the historical payment records;Prepresenting a payment security assessment score; deltaPA compensation amount representing a payment security evaluation score;Q p and representing the safety weight parameter corresponding to the payment amount average value.
An automatic payment wind control system, the wind control system comprising:
the payment security evaluation score module is used for acquiring a payment security evaluation score corresponding to the payment position by utilizing the historical payment record of the user;
the risk evaluation parameter acquisition module is used for determining whether to utilize the first risk evaluation model or the second risk evaluation model to acquire the first risk evaluation parameter or the second risk evaluation parameter in combination with the payment security evaluation score according to the positioning position of the current user when the user starts the payment platform;
the risk evaluation module is used for performing risk evaluation and payment risk prompt by using the first risk evaluation parameter or the second risk evaluation parameter and the corresponding first risk threshold or second risk threshold.
Further, the payment security evaluation score module includes:
the extraction module is used for extracting the historical payment record of the user and acquiring the payment position corresponding to each payment record according to the historical payment record;
the score acquisition module is used for acquiring the security evaluation score corresponding to each payment position and the security weight parameter corresponding to each payment position by using the payment position of the user and acquiring the payment security evaluation score of the user;
the payment security evaluation score is obtained through the following formula:
wherein,,Prepresenting a payment security assessment score;nrepresenting the total number of payment locations;F i represent the firstiSecurity rating scores corresponding to the respective payment locations;Q i represent the firstiPreset safety weight parameters corresponding to the payment positions;F max representing a security assessment score maximum among all payment locations;Q m a security weight parameter corresponding to a payment location representing a maximum value of the security evaluation score;Q max representing a corresponding maximum value of the security weight parameter in the payment location;F m representing a safety evaluation score average value corresponding to a payment position corresponding to the maximum value of the safety weight parameter;P 0 representing the benchmark score. The security evaluation score is performed by the payment platform according to the historical payment record.
Further, the risk evaluation parameter obtaining module includes:
the positioning comparison module is used for determining the positioning position of the current user starting payment platform when the user starts the payment platform, comparing the positioning position with the payment position of the historical payment record of the user and obtaining a positioning comparison result;
the automatic payment module is used for supporting payment to finish automatic payment when the positioning comparison result shows that the positioning position is the same as the payment position of the historical payment record;
the type acquisition module is used for calling an embedded map of the payment platform to determine whether the type of the current payment position accords with the type of the payment position of the historical payment record or not when the positioning comparison result shows that the positioning position is different from the payment position of the historical payment record, and acquiring the type of the payment position;
the parameter acquisition module is used for selecting to adopt the first risk assessment model or the second risk assessment model to acquire the first risk assessment parameter or the second risk assessment parameter by combining the payment security assessment score by utilizing the type of the payment position.
Further, the parameter obtaining module includes:
the first evaluation module is used for acquiring a first risk evaluation parameter corresponding to the current payment behavior by combining the payment security evaluation score through a first risk evaluation model if the type of the current payment position accords with the type of the payment position;
the second evaluation module is used for acquiring a second risk evaluation parameter corresponding to the current payment behavior by combining the payment security evaluation score through a second risk evaluation model if the type of the current payment position does not accord with the type of the payment position;
wherein the first and second risk assessment models are as follows:
wherein,,K 1 representing a first risk assessment parameter;K 2 representing a second risk assessment parameter;K 0 representing a risk evaluation reference parameter as a constant value;Prepresenting a payment security assessment score;Jrepresenting a payment amount corresponding to the current payment position;J 0 representing the maximum value of all payment amounts corresponding to the type of the payment position in the historical payment record;mindicating that the payment amount corresponding to the current payment position is compared with the payment record in the history payment record, wherein the difference between the payment amount in the history payment record and the payment amount corresponding to the current payment position is smaller than the payment record number of the preset amount difference threshold value, and whenmWhen=0, let 1-m=0.68；J m Representing a maximum value of the payment amount in the historical payment record;J y representing a preset amount difference threshold;J p representing an average value of payment amounts in the historical payment records; deltaPRepresenting the amount of compensation to pay for the security assessment score.
Further, the risk assessment module includes:
the first comparison module is used for comparing the first risk evaluation parameter with the first risk threshold value, and when the first risk evaluation parameter is higher than the first risk threshold value, the payment platform carries out payment risk reminding;
or (b)
The second comparison module is used for comparing the second risk evaluation parameter with the second risk threshold value, and when the second risk evaluation parameter is higher than the second risk threshold value, the payment platform carries out payment risk reminding;
the first risk threshold and the second risk threshold are adaptively adjusted according to record updating of actual safe payment of a user, and an adaptive adjustment model is as follows:
wherein,,Y 1 andY 2 representing the adjusted first risk threshold and second risk threshold;Y 01 andY 02 representing a first risk threshold and a second risk threshold before adjustment;Q j representing a security weight parameter corresponding to the current payment position;Jrepresenting a payment amount corresponding to the current payment position;J p representing an average value of payment amounts in the historical payment records;Prepresenting a payment security assessment score; deltaPA compensation amount representing a payment security evaluation score;Q p and representing the safety weight parameter corresponding to the payment amount average value.
The invention has the beneficial effects that:
according to the automatic payment wind control method and system, through setting the payment security evaluation score and combining the first risk evaluation model and the second risk evaluation model to carry out online payment risk evaluation, a targeted risk evaluation strategy can be carried out on different payment places through different risk evaluation models. By the method, the accuracy of risk assessment can be effectively improved. Meanwhile, by the wind control method and the system for automatic payment, a targeted risk assessment model can be set for the user by using the historical payment habit of the user, and the accuracy of risk assessment is further improved. On the other hand, the risk assessment model provided by the invention has the advantages that the required data volume is low, the calculated volume is small, the data processing volume can be reduced to the maximum extent under the condition of improving the accuracy of risk assessment, the running time of data processing is shortened, and the risk assessment efficiency is improved.
Drawings
FIG. 1 is a flow chart of a method of wind control according to the present invention;
FIG. 2 is a system block diagram of the air control system according to the present invention.
Detailed Description
The preferred embodiments of the present invention will be described below with reference to the accompanying drawings, it being understood that the preferred embodiments described herein are for illustration and explanation of the present invention only, and are not intended to limit the present invention.
The embodiment of the invention provides an automatic payment wind control method, as shown in fig. 1, comprising the following steps:
s1, acquiring a payment security evaluation score corresponding to a payment position by using a historical payment record of a user;
s2, when a user starts a payment platform, determining whether to acquire a first risk evaluation parameter or a second risk evaluation parameter by combining a first risk evaluation model or a second risk evaluation model with a payment security evaluation score according to the positioning position of the current user;
s3, performing risk assessment and payment risk prompt by using the first risk assessment parameter or the second risk assessment parameter and the corresponding first risk threshold or second risk threshold.
The working principle of the technical scheme is as follows: firstly, acquiring a payment security evaluation score corresponding to a payment position by using a historical payment record of a user; then, when the user starts the payment platform, determining whether to utilize the first risk assessment model or the second risk assessment model to acquire the first risk assessment parameter or the second risk assessment parameter in combination with the payment security assessment score according to the positioning position of the current user; and finally, performing risk assessment and payment risk prompt by using the first risk assessment parameter or the second risk assessment parameter and the corresponding first risk threshold or second risk threshold.
The technical scheme has the effects that: according to the automatic payment wind control method, through setting the payment security evaluation score and combining the first risk evaluation model and the second risk evaluation model to carry out risk evaluation of online payment, a targeted risk evaluation strategy can be carried out on different payment places through different risk evaluation models. By the method, the accuracy of risk assessment can be effectively improved. Meanwhile, by the wind control method for automatic payment, a targeted risk assessment model can be set for the user by using the historical payment habit of the user, and the accuracy of risk assessment is further improved. On the other hand, the risk assessment model provided by the embodiment has lower data volume and less calculation volume, so that the data processing volume can be reduced to the maximum extent under the condition of improving the accuracy of risk assessment, the running time of data processing is reduced, and the risk assessment efficiency is improved.
In one embodiment of the present invention, obtaining a payment security evaluation score corresponding to a payment location using a historical payment record of a user includes:
s101, extracting a historical payment record of a user, and acquiring a payment position corresponding to each payment record according to the historical payment record;
s102, acquiring a safety evaluation score corresponding to each payment position and a safety weight parameter corresponding to each payment position by using the payment position of the user, and acquiring the payment safety evaluation score of the user.
The working principle of the technical scheme is as follows: firstly, extracting a historical payment record of a user, and acquiring a payment position corresponding to each payment record according to the historical payment record; then, the payment positions of the users are utilized to obtain the security evaluation score corresponding to each payment position and the security weight parameter corresponding to each payment position, and the payment security evaluation score of the users is obtained; wherein a higher payment security rating score indicates a higher overall payment security for the user.
The payment security evaluation score is obtained through the following formula:
wherein,,Prepresenting a payment security assessment score;nrepresenting the total number of payment locations;F i represent the firstiSecurity rating scores corresponding to the respective payment locations;Q i represent the firstiPreset safety weight parameters corresponding to the payment positions;F max representing a security assessment score maximum among all payment locations;Q m a security weight parameter corresponding to a payment location representing a maximum value of the security evaluation score;Q max representing a corresponding maximum value of the security weight parameter in the payment location;F m representing a safety evaluation score average value corresponding to a payment position corresponding to the maximum value of the safety weight parameter;P 0 representing the benchmark score. The security evaluation score is performed by the payment platform according to the historical payment record.
The technical scheme has the effects that: the payment safety evaluation score obtained through the formula can be combined with the safety evaluation score corresponding to the payment position and the preset safety weight parameter corresponding to the payment position to carry out the payment safety evaluation score of the user, the payment comprehensive evaluation index of the user is obtained, the setting reasonability and evaluation accuracy of the payment comprehensive evaluation index are effectively improved, and meanwhile, the payment comprehensive evaluation index obtained through the mode can be combined with the payment comprehensive evaluation degree of the user and the user payment habit of the user in response to the payment comprehensive evaluation degree of the user to improve the accuracy of subsequent risk evaluation.
According to one embodiment of the invention, when a user starts a payment platform, determining whether to utilize a first risk assessment model or a second risk assessment model to acquire a first risk assessment parameter or a second risk assessment parameter in combination with a payment security assessment score according to a positioning position of a current user comprises:
s201, when a user starts a payment platform, determining the positioning position of the current user starting the payment platform, and comparing the positioning position with the payment position of the historical payment record of the user to obtain a positioning comparison result;
s202, when the positioning comparison result shows that the positioning position is the same as the payment position of the historical payment record, performing payment support to complete automatic payment;
s203, when the positioning comparison result shows that the positioning position is different from the payment position of the historical payment record, calling an embedded map of the payment platform to determine whether the type of the current payment position accords with the type of the payment position of the historical payment record, and acquiring the type of the payment position;
s204, selecting a first risk evaluation model or a second risk evaluation model by using the type of the payment position and combining the payment security evaluation score to acquire a first risk evaluation parameter or a second risk evaluation parameter.
Specifically, the selecting, by using the type to which the payment location belongs, to acquire the first risk evaluation parameter or the second risk evaluation parameter by using the first risk evaluation model or the second risk evaluation model includes:
s2041, if the type of the current payment position accords with the type of the payment position, acquiring a first risk evaluation parameter corresponding to the current payment behavior by utilizing a first risk evaluation model and combining the payment security evaluation score;
s2042, if the type of the current payment position does not accord with the type of the payment position, acquiring a second risk evaluation parameter corresponding to the current payment behavior by combining the payment security evaluation score through a second risk evaluation model;
wherein the first and second risk assessment models are as follows:
wherein,,K 1 representing a first risk assessment parameter;K 2 representing a second risk assessment parameter；K 0 Representing a risk evaluation reference parameter as a constant value;Prepresenting a payment security assessment score;Jrepresenting a payment amount corresponding to the current payment position;J 0 representing the maximum value of all payment amounts corresponding to the type of the payment position in the historical payment record;mindicating that the payment amount corresponding to the current payment position is compared with the payment record in the history payment record, wherein the difference between the payment amount in the history payment record and the payment amount corresponding to the current payment position is smaller than the payment record number of the preset amount difference threshold value, and whenmWhen=0, let 1-m=0.68；J m Representing a maximum value of the payment amount in the historical payment record;J y representing a preset amount difference threshold;J p representing an average value of payment amounts in the historical payment records; deltaPRepresenting the amount of compensation to pay for the security assessment score.
The technical scheme has the effects that: according to the embodiment, through setting the payment security evaluation score and carrying out risk evaluation of online payment by combining the first risk evaluation model and the second risk evaluation model, targeted risk evaluation strategies can be carried out on different payment places through different risk evaluation models. By the method, the accuracy of risk assessment can be effectively improved. Meanwhile, the risk assessment model provided by the embodiment has the advantages that the required data size is low, the calculated size is small, and therefore the data processing amount can be reduced to the maximum extent under the condition that the risk assessment accuracy is improved, the data processing running time is shortened, and the risk assessment efficiency is improved.
In one embodiment of the present invention, performing risk assessment and payment risk prompting by using the first risk assessment parameter or the second risk assessment parameter and the corresponding first risk threshold or the second risk threshold thereof includes:
comparing the first risk evaluation parameter with the first risk threshold, and when the first risk evaluation parameter is higher than the first risk threshold, carrying out payment risk reminding by the payment platform;
or (b)
Comparing the second risk evaluation parameter with the second risk threshold, and when the second risk evaluation parameter is higher than the second risk threshold, carrying out payment risk reminding by the payment platform;
the first risk threshold and the second risk threshold are adaptively adjusted according to record updating of actual safe payment of a user, and an adaptive adjustment model is as follows:
wherein,,Y 1 andY 2 representing the adjusted first risk threshold and second risk threshold;Y 01 andY 02 representing a first risk threshold and a second risk threshold before adjustment;Q j and representing the security weight parameter corresponding to the current payment position.
The technical scheme has the effects that: through the method, the risk assessment efficiency and the risk assessment accuracy can be effectively improved, and meanwhile, the risk threshold value can be adjusted for each payment through the self-adaptive adjustment model, so that the risk assessment accuracy can be effectively improved. On the other hand, the accuracy of threshold adjustment can be further improved by carrying out different self-adaptive adjustment on the first risk threshold and the second risk threshold according to different payment positions, and the problem that the accuracy of risk assessment is reduced due to inaccurate threshold adjustment is prevented. Meanwhile, the self-adaptive adjustment of the first risk threshold and the second risk threshold is carried out by combining the actual transaction condition of the user, the adjusted first risk threshold and second risk threshold can be effectively improved to be maximally close to the payment habit of the user, and the problem that the safety pre-warning false alarm rate is high due to mismatching of the threshold and the actual transaction habit of the user caused by uniform and consistent threshold setting is prevented.
The embodiment provides an automatic payment wind control system, as shown in fig. 2, including:
the payment security evaluation score module is used for acquiring a payment security evaluation score corresponding to the payment position by utilizing the historical payment record of the user;
the risk evaluation parameter acquisition module is used for determining whether to utilize the first risk evaluation model or the second risk evaluation model to acquire the first risk evaluation parameter or the second risk evaluation parameter in combination with the payment security evaluation score according to the positioning position of the current user when the user starts the payment platform;
the risk evaluation module is used for performing risk evaluation and payment risk prompt by using the first risk evaluation parameter or the second risk evaluation parameter and the corresponding first risk threshold or second risk threshold.
The technical scheme has the effects that: according to the automatic payment wind control system, through setting the payment security evaluation score and combining the first risk evaluation model and the second risk evaluation model to carry out risk evaluation of online payment, a targeted risk evaluation strategy can be carried out on different payment places through different risk evaluation models. By the method, the accuracy of risk assessment can be effectively improved. Meanwhile, through the automatic payment wind control system provided by the embodiment, a targeted risk assessment model can be set for the user by using the historical payment habit of the user, and the accuracy of risk assessment is further improved. On the other hand, the risk assessment model provided by the embodiment has lower data volume and less calculation volume, so that the data processing volume can be reduced to the maximum extent under the condition of improving the accuracy of risk assessment, the running time of data processing is reduced, and the risk assessment efficiency is improved.
In one embodiment of the present invention, the payment security evaluation score module includes:
the extraction module is used for extracting the historical payment record of the user and acquiring the payment position corresponding to each payment record according to the historical payment record;
the score acquisition module is used for acquiring the security evaluation score corresponding to each payment position and the security weight parameter corresponding to each payment position by using the payment position of the user and acquiring the payment security evaluation score of the user;
the payment security evaluation score is obtained through the following formula:
wherein,,Prepresenting a payment security assessment score;nrepresenting the total number of payment locations;F i represent the firstiSecurity rating scores corresponding to the respective payment locations;Q i represent the firstiPreset safety weight parameters corresponding to the payment positions;F max representing a security assessment score maximum among all payment locations;Q m a security weight parameter corresponding to a payment location representing a maximum value of the security evaluation score;Q max representing a corresponding maximum value of the security weight parameter in the payment location;F m representing a safety evaluation score average value corresponding to a payment position corresponding to the maximum value of the safety weight parameter;P 0 representing the benchmark score. The security evaluation score is performed by the payment platform according to the historical payment record.
The technical scheme has the effects that: the payment safety evaluation score obtained through the formula can be combined with the safety evaluation score corresponding to the payment position and the preset safety weight parameter corresponding to the payment position to carry out the payment safety evaluation score of the user, the payment comprehensive evaluation index of the user is obtained, the setting reasonability and evaluation accuracy of the payment comprehensive evaluation index are effectively improved, and meanwhile, the payment comprehensive evaluation index obtained through the mode can be combined with the payment comprehensive evaluation degree of the user and the user payment habit of the user in response to the payment comprehensive evaluation degree of the user to improve the accuracy of subsequent risk evaluation.
In one embodiment of the present invention, the risk evaluation parameter obtaining module includes:
the positioning comparison module is used for determining the positioning position of the current user starting payment platform when the user starts the payment platform, comparing the positioning position with the payment position of the historical payment record of the user and obtaining a positioning comparison result;
the automatic payment module is used for supporting payment to finish automatic payment when the positioning comparison result shows that the positioning position is the same as the payment position of the historical payment record;
the type acquisition module is used for calling an embedded map of the payment platform to determine whether the type of the current payment position accords with the type of the payment position of the historical payment record or not when the positioning comparison result shows that the positioning position is different from the payment position of the historical payment record, and acquiring the type of the payment position;
the parameter acquisition module is used for selecting to adopt the first risk assessment model or the second risk assessment model to acquire the first risk assessment parameter or the second risk assessment parameter by combining the payment security assessment score by utilizing the type of the payment position.
Specifically, the parameter obtaining module includes:
the first evaluation module is used for acquiring a first risk evaluation parameter corresponding to the current payment behavior by combining the payment security evaluation score through a first risk evaluation model if the type of the current payment position accords with the type of the payment position;
the second evaluation module is used for acquiring a second risk evaluation parameter corresponding to the current payment behavior by combining the payment security evaluation score through a second risk evaluation model if the type of the current payment position does not accord with the type of the payment position;
wherein the first and second risk assessment models are as follows:
wherein,,K 1 representing a first risk assessment parameter;K 2 representing a second risk assessment parameter;K 0 representing a risk evaluation reference parameter as a constant value;Prepresenting a payment security assessment score;Jrepresenting a payment amount corresponding to the current payment position;J 0 representing the maximum value of all payment amounts corresponding to the type of the payment position in the historical payment record;mrepresenting the payment amount and the current payment positionCompared with the historical payment records, the difference between the payment amount in the historical payment records and the payment amount corresponding to the current payment position is smaller than the payment record number of the preset amount difference threshold value, and whenmWhen=0, let 1-m=0.68；J m Representing a maximum value of the payment amount in the historical payment record;J y representing a preset amount difference threshold;J p representing an average value of payment amounts in the historical payment records; deltaPRepresenting the amount of compensation to pay for the security assessment score.
The technical scheme has the effects that: according to the embodiment, through setting the payment security evaluation score and carrying out risk evaluation of online payment by combining the first risk evaluation model and the second risk evaluation model, targeted risk evaluation strategies can be carried out on different payment places through different risk evaluation models. By the method, the accuracy of risk assessment can be effectively improved. Meanwhile, the risk assessment model provided by the embodiment has the advantages that the required data size is low, the calculated size is small, and therefore the data processing amount can be reduced to the maximum extent under the condition that the risk assessment accuracy is improved, the data processing running time is shortened, and the risk assessment efficiency is improved.
In one embodiment of the present invention, the risk assessment module includes:
the first comparison module is used for comparing the first risk evaluation parameter with the first risk threshold value, and when the first risk evaluation parameter is higher than the first risk threshold value, the payment platform carries out payment risk reminding;
or (b)
The second comparison module is used for comparing the second risk evaluation parameter with the second risk threshold value, and when the second risk evaluation parameter is higher than the second risk threshold value, the payment platform carries out payment risk reminding;
the first risk threshold and the second risk threshold are adaptively adjusted according to record updating of actual safe payment of a user, and an adaptive adjustment model is as follows:
wherein,,Y 1 andY 2 representing the adjusted first risk threshold and second risk threshold;Y 01 andY 02 representing a first risk threshold and a second risk threshold before adjustment;Q j and representing the security weight parameter corresponding to the current payment position.
The technical scheme has the effects that: through the method, the risk assessment efficiency and the risk assessment accuracy can be effectively improved, and meanwhile, the risk threshold value can be adjusted for each payment through the self-adaptive adjustment model, so that the risk assessment accuracy can be effectively improved. On the other hand, the accuracy of threshold adjustment can be further improved by carrying out different self-adaptive adjustment on the first risk threshold and the second risk threshold according to different payment positions, and the problem that the accuracy of risk assessment is reduced due to inaccurate threshold adjustment is prevented. Meanwhile, the self-adaptive adjustment of the first risk threshold and the second risk threshold is carried out by combining the actual transaction condition of the user, the adjusted first risk threshold and second risk threshold can be effectively improved to be maximally close to the payment habit of the user, and the problem that the safety pre-warning false alarm rate is high due to mismatching of the threshold and the actual transaction habit of the user caused by uniform and consistent threshold setting is prevented.
It will be apparent to those skilled in the art that various modifications and variations can be made to the present invention without departing from the spirit or scope of the invention. Thus, it is intended that the present invention also include such modifications and alterations insofar as they come within the scope of the appended claims or the equivalents thereof.
Claims (4)
1. An air control method for automatic payment, characterized in that the air control method comprises the following steps:
acquiring a payment security evaluation score corresponding to a payment position by using a historical payment record of a user;
when a user starts a payment platform, determining whether to utilize a first risk assessment model or a second risk assessment model to acquire a first risk assessment parameter or a second risk assessment parameter in combination with a payment security assessment score according to the positioning position of the current user;
performing risk assessment and payment risk prompt by using the first risk assessment parameter or the second risk assessment parameter and the corresponding first risk threshold or the second risk threshold;
the method for acquiring the payment security evaluation score corresponding to the payment position by using the historical payment record of the user comprises the following steps:
extracting a historical payment record of a user, and acquiring a payment position corresponding to each payment record according to the historical payment record;
acquiring a safety evaluation score corresponding to each payment position and a safety weight parameter corresponding to each payment position by using the payment position of the user, and acquiring the payment safety evaluation score of the user;
the payment security evaluation score is obtained through the following formula:
wherein,,Prepresenting a payment security assessment score;nrepresenting the total number of payment locations;F i represent the firstiSecurity rating scores corresponding to the respective payment locations;Q i represent the firstiPreset safety weight parameters corresponding to the payment positions;F max representing a security assessment score maximum among all payment locations;Q m a security weight parameter corresponding to a payment location representing a maximum value of the security evaluation score;Q max representing a corresponding maximum value of the security weight parameter in the payment location;F m representing a safety evaluation score average value corresponding to a payment position corresponding to the maximum value of the safety weight parameter;P 0 representing a benchmark score;
when a user starts a payment platform, determining whether to utilize a first risk assessment model or a second risk assessment model to acquire a first risk assessment parameter or a second risk assessment parameter in combination with a payment security assessment score according to the positioning position of the current user, including:
when a user starts a payment platform, determining the positioning position of the current user starting the payment platform, and comparing the positioning position with the payment position of the historical payment record of the user to obtain a positioning comparison result;
when the positioning comparison result shows that the positioning position is the same as the payment position of the historical payment record, carrying out payment support to complete automatic payment;
when the positioning comparison result shows that the positioning position is different from the payment position of the historical payment record, calling an embedded map of the payment platform to determine whether the type of the current payment position accords with the type of the payment position of the historical payment record or not, and acquiring the type of the payment position;
selecting a first risk assessment model or a second risk assessment model according to the type of the payment position and combining the payment security assessment score to obtain a first risk assessment parameter or a second risk assessment parameter;
the method for acquiring the first risk evaluation parameter or the second risk evaluation parameter by using the type of the payment position comprises the following steps of:
if the type of the current payment position accords with the type of the payment position, acquiring a first risk evaluation parameter corresponding to the current payment behavior by combining the payment security evaluation score through a first risk evaluation model;
if the type of the current payment position does not accord with the type of the payment position, a second risk evaluation model is utilized to acquire a second risk evaluation parameter corresponding to the current payment behavior in combination with the payment security evaluation score;
wherein the first and second risk assessment models are as follows:
wherein,,K 1 representing a first risk assessment parameter;K 2 representing a second risk assessment parameter;K 0 representing a risk evaluation reference parameter as a constant value;Prepresenting a payment security assessment score;Jrepresenting a payment amount corresponding to the current payment position;J 0 representing the maximum value of all payment amounts corresponding to the type of the payment position in the historical payment record;mindicating that the payment amount corresponding to the current payment position is compared with the payment record in the history payment record, wherein the difference between the payment amount in the history payment record and the payment amount corresponding to the current payment position is smaller than the payment record number of the preset amount difference threshold value, and whenmWhen=0, let 1-m=0.68；J m Representing a maximum value of the payment amount in the historical payment record;J y representing a preset amount difference threshold;J p representing an average value of payment amounts in the historical payment records; deltaPRepresenting the amount of compensation to pay for the security assessment score.
2. The method according to claim 1, wherein performing risk assessment and payment risk prompting using the first risk assessment parameter or the second risk assessment parameter and the corresponding first risk threshold or second risk threshold thereof, comprises:
comparing the first risk evaluation parameter with the first risk threshold, and when the first risk evaluation parameter is higher than the first risk threshold, carrying out payment risk reminding by the payment platform;
or (b)
Comparing the second risk evaluation parameter with the second risk threshold, and when the second risk evaluation parameter is higher than the second risk threshold, carrying out payment risk reminding by the payment platform;
the first risk threshold and the second risk threshold are adaptively adjusted according to record updating of actual safe payment of a user, and an adaptive adjustment model is as follows:
wherein,,Y 1 andY 2 representing the adjusted first risk threshold and second risk threshold;Y 01 andY 02 representing a first risk threshold and a second risk threshold before adjustment;Q j representing a security weight parameter corresponding to the current payment position;Jrepresenting a payment amount corresponding to the current payment position;J p representing an average value of payment amounts in the historical payment records;Prepresenting a payment security assessment score; deltaPA compensation amount representing a payment security evaluation score;Q p and representing the safety weight parameter corresponding to the payment amount average value.
3. An automatic payment wind control system, the wind control system comprising:
the payment security evaluation score module is used for acquiring a payment security evaluation score corresponding to the payment position by utilizing the historical payment record of the user;
the risk evaluation parameter acquisition module is used for determining whether to utilize the first risk evaluation model or the second risk evaluation model to acquire the first risk evaluation parameter or the second risk evaluation parameter in combination with the payment security evaluation score according to the positioning position of the current user when the user starts the payment platform;
the risk evaluation module is used for performing risk evaluation and payment risk prompt by using the first risk evaluation parameter or the second risk evaluation parameter and the corresponding first risk threshold or second risk threshold thereof;
wherein the payment security evaluation score module comprises:
the extraction module is used for extracting the historical payment record of the user and acquiring the payment position corresponding to each payment record according to the historical payment record;
the score acquisition module is used for acquiring the security evaluation score corresponding to each payment position and the security weight parameter corresponding to each payment position by using the payment position of the user and acquiring the payment security evaluation score of the user;
the payment security evaluation score is obtained through the following formula:
wherein,,Prepresenting a payment security assessment score;nrepresenting the total number of payment locations;F i represent the firstiSecurity rating scores corresponding to the respective payment locations;Q i represent the firstiPreset safety weight parameters corresponding to the payment positions;F max representing a security assessment score maximum among all payment locations;Q m a security weight parameter corresponding to a payment location representing a maximum value of the security evaluation score;Q max representing a corresponding maximum value of the security weight parameter in the payment location;F m representing a safety evaluation score average value corresponding to a payment position corresponding to the maximum value of the safety weight parameter;P 0 representing a benchmark score;
wherein, the risk evaluation parameter acquisition module includes:
the positioning comparison module is used for determining the positioning position of the current user starting payment platform when the user starts the payment platform, comparing the positioning position with the payment position of the historical payment record of the user and obtaining a positioning comparison result;
the automatic payment module is used for supporting payment to finish automatic payment when the positioning comparison result shows that the positioning position is the same as the payment position of the historical payment record;
the type acquisition module is used for calling an embedded map of the payment platform to determine whether the type of the current payment position accords with the type of the payment position of the historical payment record or not when the positioning comparison result shows that the positioning position is different from the payment position of the historical payment record, and acquiring the type of the payment position;
the parameter acquisition module is used for selecting a first risk evaluation model or a second risk evaluation model to be adopted by utilizing the type of the payment position and combining the payment security evaluation score to acquire a first risk evaluation parameter or a second risk evaluation parameter;
wherein, the parameter acquisition module includes:
the first evaluation module is used for acquiring a first risk evaluation parameter corresponding to the current payment behavior by combining the payment security evaluation score through a first risk evaluation model if the type of the current payment position accords with the type of the payment position;
the second evaluation module is used for acquiring a second risk evaluation parameter corresponding to the current payment behavior by combining the payment security evaluation score through a second risk evaluation model if the type of the current payment position does not accord with the type of the payment position;
wherein the first and second risk assessment models are as follows:
wherein,,K 1 representing a first risk assessment parameter;K 2 representing a second risk assessment parameter;K 0 representing a risk evaluation reference parameter as a constant value;Prepresenting a payment security assessment score;Jrepresenting a payment amount corresponding to the current payment position;J 0 representing the maximum value of all payment amounts corresponding to the type of the payment position in the historical payment record;mindicating that the payment amount corresponding to the current payment position is compared with the payment record in the history payment record, wherein the difference between the payment amount in the history payment record and the payment amount corresponding to the current payment position is smaller than the payment record number of the preset amount difference threshold value, and whenmWhen=0, let 1-m=0.68；J m Representing a maximum value of the payment amount in the historical payment record;J y representing a preset amount difference threshold;J p representing an average value of payment amounts in the historical payment records; deltaPRepresenting the amount of compensation to pay for the security assessment score.
4. A wind control system according to claim 3, wherein the risk assessment module comprises:
the first comparison module is used for comparing the first risk evaluation parameter with the first risk threshold value, and when the first risk evaluation parameter is higher than the first risk threshold value, the payment platform carries out payment risk reminding;
or (b)
The second comparison module is used for comparing the second risk evaluation parameter with the second risk threshold value, and when the second risk evaluation parameter is higher than the second risk threshold value, the payment platform carries out payment risk reminding;
the first risk threshold and the second risk threshold are adaptively adjusted according to record updating of actual safe payment of a user, and an adaptive adjustment model is as follows:
wherein,,Y 1 andY 2 representing the adjusted first risk threshold and second risk threshold;Y 01 andY 02 representing a first risk threshold and a second risk threshold before adjustment;Q j representing a security weight parameter corresponding to the current payment position;Jrepresenting a payment amount corresponding to the current payment position;J p representing an average value of payment amounts in the historical payment records;Prepresenting a payment security assessment score; deltaPA compensation amount representing a payment security evaluation score;Q p and representing the safety weight parameter corresponding to the payment amount average value.
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